Interim Financing
Michael R. Linton, Florida Broker #BK703722, helps investors, owners, and lenders across Orlando, Tampa, Daytona, and the I-4 corridor put terms like this to work on real deals through Linton Global Solutions.
Interim financing is short-term debt used to carry a property through a transition, such as construction, renovation or lease-up, until it qualifies for permanent financing or is sold.
Interim loans buy time. They are priced and structured for a defined business plan with a clear exit, and the exit is what lenders underwrite hardest.
Common Forms
Bridge loans for acquisitions and repositioning, construction loans for ground-up and major renovation, and short-term loans to carry a property through lease-up. Terms are usually short, often floating-rate, and may require reserves.
The Exit Is the Underwriting
The lender wants to know how it gets repaid: a refinance into permanent debt once income stabilizes, or a sale. If the plan runs late, extension options, fees and rate hedges come into play.
A Hypothetical Daytona Example
A buyer acquires a partly vacant retail center in Volusia County with interim financing, leases the vacant space, then refinances into a longer-term loan sized on the stabilized income. Hypothetical scenario; no rates are quoted.
From the Desk
Every interim loan needs an exit you would bet on twice. If the takeout is a hope, the loan is a risk.
Who Is Michael R. Linton, and What Does He Do for Commercial Real Estate Investors?
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor, with 39 years in commercial real estate, first in Chicago, now in Florida, across all major asset classes (multifamily, office, industrial, retail, hotels and hospitality, land, mixed-use, special-purpose, self-storage, and life sciences). He leads Linton Global Solutions and HireMikeLinton.com, holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722).
Why Choose Michael R. Linton and Linton Global Solutions for Your Interim Financing Decision?
Investors, owners, and tenants choose Michael R. Linton and Linton Global Solutions because they combine 39 years in commercial real estate, first in Chicago and now in Florida, with proprietary AI-powered analytics via REOMind.ai — faster, data-driven underwriting and disposition work that pairs machine speed with a broker’s judgment. Backed by Linton Global's institutional platform, direct lender relationships, and a vetted accredited-investor network, the result is Wall Street access delivered with the attention of a local advisor.
Frequently Asked Questions
What is interim financing?
Short-term debt carrying a property until permanent financing or a sale.
How is it different from a permanent loan?
Shorter term, usually floating-rate, sized on a business plan rather than stabilized income.
What are common types?
Bridge loans, construction loans and lease-up loans.
What do lenders focus on?
The exit: refinance or sale, and the time it will take.
What happens if the plan runs late?
Extension options, fees and possibly rate-hedge renewals.
Article Summary
Interim financing carries a property through construction, renovation or lease-up until a refinance or sale; lenders underwrite the exit.
Key Takeaways
- ✓Short-term bridge to an exit.
- ✓Bridge, construction, lease-up.
- ✓Usually floating-rate.
- ✓Exit is underwritten.
- ✓Watch extension terms.
About Michael R. Linton
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor. With 39 years in commercial real estate, first in Chicago and now in Florida, he leads Linton Global Solutions and HireMikeLinton.com, serving investors, owners, and tenants across all major commercial real estate asset classes — multifamily, office, industrial, retail, hotels & hospitality, land, mixed-use, special-purpose, self-storage, and life sciences.
Michael holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722). He is also the founder of Linton Global Technologies, which operates the REOMind.ai AI-powered REO disposition platform serving a network of banks.
Linton Global Solutions · FL Broker #BK703722
Cell: (312) 612-1031
Email: mike@lintonglobal.com
Web: LintonGlobal.com
Ready to Talk About Your Interim Financing Deal?
Get a free consultation with Michael R. Linton — 39 years of CRE experience. Zero pressure.
Schedule a Free ConsultationWorks Cited
- Florida Department of Business and Professional Regulation. "License Verification: Michael R. Linton, Florida Broker BK703722." MyFloridaLicense.com, https://www.myfloridalicense.com/wl11.asp. Accessed Oct 7, 2026.
Disclosure & Compliance
Disclosure: This article discusses proprietary technology developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions (FL Broker License #BK703722). This content is for informational purposes only and does not constitute investment, legal, or financial advice.
Compliance Statement: All CREDDS and REOMind.ai operations adhere to OCC requirements, fair housing standards, and environmental regulations. Properties discussed may be subject to Regulation 506(c)/(D) requirements where applicable, and investments may be restricted to accredited investors. Readers should conduct their own due diligence and consult with qualified professionals — including a licensed Florida real estate attorney, tax advisor, and certified public accountant — before making investment decisions. Past performance does not guarantee future results.